Harbor Care

Does Private Insurance Cover Homecare?

If you’re wondering whether private health insurance will help cover homecare, the answer isn’t a simple yes or no. Let’s break it down.

There are two types of private insurance: private health insurance and long term care insurance. Private health insurance is conventional health care coverage, which you might get from an employer or possibly the marketplace. Long term care insurance is not medical insurance, but rather a specialized insurance that is specifically for those who require home care. It may be purchased as a policy or is sometimes provided by an employer.

Let’s delve into the nuances below.

Private health insurance
Personal Care: Private health insurance (which comes from place of employment or the marketplace) usually won’t cover personal care services like help with bathing or cooking provided by home health aides. These are considered non-medical services, so they’re not typically included in insurance plans.
Skilled Care: However, private insurance might cover skilled care services provided at home, such as nursing care or physical therapy. These are medical services that address specific health needs. But coverage can vary, so it’s essential to check your plan.

Long-Term Care Insurance
If you’re looking for coverage for personal care over the long term, you might consider long-term care insurance. This type of insurance is specifically designed to help with things like home health aide services for chronic illness, disability, or aging.
What Is Long-Term Care Insurance? Long-term care insurance is like a safety net for future care needs. You buy it when you’re younger and healthier, so it’s more affordable. It covers services that private health insurance usually doesn’t, like long-term personal care or nursing home costs.
Why It’s Important: Having long-term care insurance means you’re prepared for the future. It gives you peace of mind knowing you have financial help if you need extensive care later in life.
In a nutshell, while private insurance may cover some medical homecare services, like nursing care, it likely won’t cover personal care. That’s where long-term care insurance steps in, offering coverage for long-term personal care needs. It’s a smart way to plan ahead and ensure you’re taken care of down the road.
At Harbor Care, we’re proud to stand out in the homecare industry. Unlike some agencies, we’re fully licensed and accredited, enabling us to accept all long-term care insurance plans to provide non-skilled personal care.
Give us a call at 718 500 3743 to get started today.